Insurance For Texans Blog

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Managing Rising Deductibles: Deductible Buy Downs For Texas Churches

Posted by Brad Hancock on Oct 29, 2024 4:09:32 PM
" \n What Is a Deductible Buy Down? \n \n Deductible Buy Down: A supplemental insurance policy—also known as a buyback—that lowers the high ...
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Topics: deductible, hail, property, Church Insurance

What Is An HMO?

Posted by Kevin Hall on Oct 28, 2024 3:22:32 PM
Theresa owns a small business in Midland, and she knew it was time to find health insurance for her family. But as she browsed her ACA marketplace ...
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Topics: ACA, HMO, open enrollment

Why Fully Funded Health Plans Are Perfect for Texas Daycares

Posted by Kevin Hall on Oct 25, 2024 11:48:24 AM
" \n Key Takeaways \n \n \n Fully funded health plans provide cost stability for daycare owners. With fixed monthly premiums, daycare owners like ...
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Topics: health insurance, group health, employer health insurance, daycares, fully-funded

Why Is Your Texas Montessori School Insurance Increasing So Much?

Posted by Brad Hancock on Oct 24, 2024 4:56:22 PM
Elaine has been leading a Montessori school in Austin for over a decade. In her time at the school, she has adeptly managed countless challenges, but ...
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Topics: property, True Texas Education Insurance, Montessori schools

Does Your Texas Montessori School Have The Property Insurance It Needs

Posted by Brad Hancock on Oct 23, 2024 7:25:00 PM
Running a Montessori school in Texas often feels like navigating a maze filled with unexpected twists and turns. There are moments of joy as you ...
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Topics: property, True Texas Education Insurance, Montessori schools

How Level-Funded Health Plans Help Small Businesses Save on Costs

Posted by Kevin Hall on Oct 23, 2024 2:20:31 PM
Paul runs a growing call center business in Ft Worth, managing a team of 30 employees. As his business expanded, so did the need to offer a reliable ...
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Topics: health insurance, group health, self-funded, level-funded health plans

My Daycare Insurance Has Been Non-Renewed! What Now?

Posted by Brad Hancock on Oct 22, 2024 6:45:00 PM
" \n Key Takeaways \n \n Non-renewals are becoming more common for Texas daycares. Insurance companies are tightening their underwriting guidelines ...
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Topics: property, non-renewal, daycares

Does It Matter If My Texas Church Insurance Company Is Non-Admitted

Posted by Amanda Minter on Oct 22, 2024 1:52:25 PM
" \n Key Takeaways \n \n \n \n Non-admitted does not mean illegal or sketchy, but it does change the safety rails around the policy. Non-admitted ...
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Topics: property, Church Insurance, non-renewal

Is It Better To Have Actual Cash Value Or Replacement Cost On Churches

Posted by Amanda Minter on Oct 21, 2024 4:02:17 PM
" \n Key Takeaways \n \n \n Replacement Cost is about rebuilding your church like it was, while Actual Cash Value is about what your church property ...
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Topics: replacement cost, actual cash value, hail, property, Church Insurance

Does Texas Have Its Own Health Insurance Marketplace?

Posted by Kevin Hall on Oct 18, 2024 4:14:02 PM
Mary owns a small business in Austin that is still small enough that she does not have to provide a health insurance plan for her and her employee. ...
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Topics: health insurance, ACA, ACA Alternatives, Obamacare, Austin